Banks in Owenton, KY

Bank branch map: Owenton

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 3 banks and credit unions operate 3 locations in Owenton, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 1 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks and credit unions in Owenton

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: German American Bank and United Citizens Bank have the most locations in Owenton, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Commonwealth Credit Union 1 office · main office Frankfort, KY Credit union · 1

Commonwealth Credit Union has 1 office in Owenton, 18 across Kentucky. It is based in Frankfort, KY and $2.83 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.

Who can join: see the credit union's site.

• Owenton Branch

  660 Highway 127 S, 40359

  (800) 228-6420Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat 9 am to 12:30 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Commonwealth Credit Union: profile, branches and contacts

German American Bank 1 branch · main office Jasper, IN Bank · 1

German American Bank has 1 branch in Owenton, 30 across Kentucky and 96 nationwide. FDIC records list its main office in Jasper, IN and show it operating since 1910. With $8.43 billion in total assets on June 30, 2026, it ranks No. 192 of 4,232 U.S. banks by total assets. The Owenton Branch at 127 N Thomas St dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Owenton Branch

  127 N Thomas St, 40359

  Hours: see the bank's site
  DirectionsWebsite

German American Bank: profile, branches and contacts

United Citizens Bank 1 branch · main office Campbellsburg, KY Bank · 1

United Citizens Bank has 1 branch in Owenton, 7 across Kentucky and 7 nationwide. FDIC records list its main office in Campbellsburg, KY and show it operating since 1872. With $219.3 million in total assets on June 30, 2026, it ranks No. 2,882 of 4,232 U.S. banks by total assets. The Owenton Branch at 785 Highway 22 E dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Owenton Branch

  785 Highway 22 E, 40359

  Hours: see the bank's site
  DirectionsWebsite

United Citizens Bank: profile, branches and contacts

Join a credit union in Owenton

1 credit union has 1 office here: Commonwealth Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Owenton page has every office in the state's directory.

Banking in Owenton: the local picture

Short answer: 2 banks run 2 branches in Owenton according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Owenton, 1 elsewhere in Kentucky and 1 out of state, according to the FDIC.

The bank with the longest record here is United Citizens Bank, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is German American Bank's office at 127 N Thomas St, dating to 1934; the newest is United Citizens Bank's at 785 Highway 22 E, from 2026.

The only credit union with an office here is Commonwealth Credit Union.

Of the 1 location with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.

Credit unions open on Saturday in Owenton

Short answer: 1 of the 1 Owenton location with published hours opens on Saturday, run by 1 institution.

• Commonwealth Credit Union: 1 of 1 office (660 Highway 127 S: Saturday 9 am to 12:30 pm)

Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 3 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Owenton, and where the nearest one is if they do not.

Short answer: No branches in Owenton: Chase (nearest in Walton, 28 mi), Wells Fargo, Bank of America (nearest in Lexington, 37 mi), PNC Bank (nearest in Frankfort, 23 mi), U.S. Bank (nearest in Carrollton, 21 mi), Truist (nearest in Dry Ridge, 16 mi), Fifth Third Bank (nearest in Frankfort, 25 mi), Huntington (nearest in Walton, 29 mi), Regions Bank (nearest in Franklin, 157 mi), TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Owenton to the nearest branch in Kentucky.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Owenton residents like anyone else.

Banks near Owenton

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Williamstown (16 miles) and Dry Ridge (16 miles). Frankfort, 24 miles away, has the most banks nearby: 13.

Bank branch openings and closings in Owenton

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show 1 branch opening in Owenton between September 5, 2025 and September 5, 2026.

Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.

Largest banks in Owenton by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Owenton offices.

Short answer: German American Bank is the largest bank with offices in Owenton, with $8.43 billion in total assets on June 30, 2026, No. 192 among U.S. banks by total assets. United Citizens Bank is second with $219.3 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Owenton: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.